Home insurance
89% of home customers saved an average of £95 when they joined us*
The kind of home
insurance you want
Prices and cover
that mean 88% of our customers stay every year**
A Claims service that can pay you direct to cover the cost of replacing items
We’re rated No.1
for Home Insurance on Reviewcentre.com***
Take your pick
Buildings insurance sum covered | £600,000 | £1,000,000 | £1,000,000 |
Contents insurance sum covered | £60,000 | £75,000 | £100,000 |
New for old cover as standard | |||
Alternative accommodation (buildings) | Up to £75,000 | Up to £100,000 | Up to £150,000 |
Alternative accommodation (contents) | £10,000 | £10,000 | £25,000 |
Credit cards in and away from home | £1,000 | £1,000 | £1,000 |
Personal money in the home | £250 | £250 | £1,000 |
Deep freezer contents | £300 | £500 | £750 |
Property owners liability | £2,000,000 | £2,000,000 | £5,000,000 |
Replacement locks or keys | £300 | £500 | £1,000 |
Legal Expenses Select | |||
Home Emergency Select |
Buildings insurance sum covered
£600,000
Contents insurance sum covered
£60,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £75,000
Alternative accommodation (contents)
£10,000
Credit cards in and away from home
£1,000
Personal money in the home
£250
Deep freezer contents
£300
Property owners liability
£2,000,000
Replacement locks or keys
£300
Legal Expenses Select
Home Emergency Select
Buildings insurance sum covered
£1,000,000
Contents insurance sum covered
£75,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £100,000
Alternative accommodation (contents)
£10,000
Credit cards in and away from home
£1,000
Personal money in the home
£250
Deep freezer contents
£500
Property owners liability
£2,000,000
Replacement locks or keys
£500
Legal Expenses Select
Home Emergency Select
Buildings insurance sum covered
£1,000,000
Contents insurance sum covered
£100,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £150,000
Alternative accommodation (contents)
£25,000
Credit cards in and away from home
£1,000
Personal money in the home
£1,000
Deep freezer contents
£750
Property owners liability
£5,000,000
Replacement locks or keys
£1,000
Legal Expenses Select
Home Emergency Select
Understand exactly what you’re covered for
Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.
Policy wordingCreate cover that suits you
Select exactly what you need and we’ll tailor the perfect policy for you.
Home emergency
Legal expenses
Key cover
Cycle cover
Accidental damage
Away from home
Claims line open 24/7, all year round
Burst pipes, plumbing and drainage problems
Security cover (if a window gets smashed, for example)
Boiler breakdown, including heating and hot water failures
Helping with your toilet if it’s blocked or won’t flush.
Nasty things. Like pests, vermin, wasps and rat infestations.
Home emergency
Legal expenses
Key cover
Cycle cover
Accidental damage
Away from home
People love what we do...
More for less
A great product and service, easy to set up and when you compare with other providers, Policy Expert offer more cover for your money without paying a high premium.
Anthony Betts - 12/12/2023
Straightforward Insurance
I’ve used Policy Expert a few times now for a variety of services. Simple, straightforward and excellent prices when compared to many others. Very happy with the service I have received!
Alison Jones - 12/12/2023
Highly recommend
I’ve been totally satisfied with their excellent service during my first year of cover. The invited renewal price was reasonable and competitive. I highly recommend Policy Expert for the great service they offer and provide.
D Prunty - 16/11/2023
Hassle free claims
Good price for home insurance. Actually had to make a claim for a lost earring and the process was made very easy with no quibbles or argument. The first time we have made a claim in many years. Would definitely recommend.
Mr Williams - 20/11/2023